Class B insurance

[Wrasle_Castle]

We will have our RT delivered next week and I went to get Insurance but they didn't even show Road Trek in their computer. They did find that it was a GM Van thru the VIN. Any of you been thru this and if so what kind of coverage do you have?
This is not the first RV through State Farm we have insured but the first time for this issue.

[Chuck_Sorensen]

Having RV replacement insurance for five years and campsite liability insurance seemed like a reasonable goal. Last year I checked with Progressive and Good Sam. Neither of these companies could provide liability insurance above $500,000; because I live in California, I was told.

Happy with my existing insurance company that could only insure RVs as cars, I signed up with Progressive for the RV and bought a stand-alone umbrella policy to cover both of the underlying companies. The umbrella is with United States Liability Insurance Group; through an independent agent.

Chuck Sorensen
Buellton, California
2012 Excel TS

[Fastpaddler]

In British Columbia,Canada one has to insure a Class B RV with ICBC(Govt insurance) ONLY as private insurers wont insure them at all as far as I can determine. I got full comprehensive coverage at full market value with 5 million third party liability. This might be helpful to BC residents contemplating buying and insuring an RV in BC. I had same issue with my two previous C Class RVs too

[1775]

Your Roadtrek's VIN is going to come up as either a Chevy or Sprinter depending upon the model RT you are getting. You do not want "auto/vehicle" insurance. You want RV insurance which is very different - much broader coverage and usually full replacement - and a lot less expensive for the policy.

My Roadtrek is insured through Progressive. Before I took delivery, I called them up, told them I wanted RV insurance, they asked for the make, model and year of the RV and then we went through the coverage options. They had no problem finding the Roadtrek to insure as an RV and they knew that the VIN was going to show as a Chevy van and not an RV. The policy that they wrote is very specifically for an RV.

[candlback]

My RT is insured thru Foremost which is a subsidiary of Farmers. Through the years they have kept rates low for me.

[mlts22]

I've had good luck with Forest River's insurance company (well, the insurance co owned by the same people as FR), GEICO. They seem to have decent ERS as well.

[Hallibagger]

I had the same problem at our insurance agents, in Canada, with our used Roadtrek, they wanted to insure it as a bare van through the VIN number.

I tried to explain that it was a bit more expensive than a bare van, they responded that they were not interested in what had been done in finishing the interior of the the van!

I managed to get one of the staff to get a quote from Aviva or Progressive who seemed to know what a Roadtrek was! Aviva came back with an acceptable quote and I have been with them for several years.

[I_am_still_wayn]

retraite wrote:
Just a cautionary note.

If you "insure" your "B" based solely on the VIN - and don't read the policy carefully, but rather are "impressed" by the rate quote - you may find that your "coverage" is for a bare van only.

Many - maybe most - carriers have RV specific policies.

It pays to read, and understand, one's RV policy.

Cheers.

Excellent advice. My B van has two VIN one from Chevrolet and one from Airstream

[jjson775]

I have been very happy with coverage from the Hartford thru AARP. Costs a fraction of what I was paying Allstate.

[retraite]

Just a cautionary note.

If you "insure" your "B" based solely on the VIN - and don't read the policy carefully, but rather are "impressed" by the rate quote - you may find that your "coverage" is for a bare van only.

Many - maybe most - carriers have RV specific policies.

It pays to read, and understand, one's RV policy.

Cheers.

[Arizona_Kid]

Good Sam/GMAC RV insurance. You will usually get a better rate from a company that specializes in RV's.

[PapPappy]

A lot of times, they can find it with the VIN, so let them search for it that way, and they should be able to estimate the policy premiums from that. If they can't find it, try somewhere else.....there are at least a half dozen national Insurance companies that advertise that they cover RVs.

Good luck:)

[truepath]

State Farm did not have issues finding my RV when I initially insured it about 2 years ago. To answer Wrasle Castle's question about coverage, I have $500,000 liability coverage, uninsured and underinsured coverage, no fault coverage and full collision and comprehensive including roadside assistance and towing. I don't recall my deductible for collision, but I think it is $1,000.

I don't want to hijack this thread, but coincidentally I was just about to post about RV insurance. I have been unpleasantly surprised at the high insurance costs. I have a 99 Leisure Travel class B with an insured value of $17,000. My current insurance premium with State farm is $734 (full year of coverage). I got another quote from an independent agent and it was $515.00 for identical coverage. I understand that there are many factors that impact premiums, but this kind of disparity for the same coverage seems pretty large. I would like to know what kinds of experiences others have had with insurance. Like Bobojay5, I have otherwise been satisfied with State Farm, but I am having trouble justifying paying this much more for identical coverage.

[bobojay5]

We had the same issue with State Farm on our first class B. They didn't know what a PleasureWay was. So then we went with Progressive who had MUCH better coverage than State Farm on an RV. We didn't stay with Progressive when we traded our PleasureWay, (in 2009), as they were too high.
Just yesterday got a quote from SF again on our new Winnebago ERA. They knew what this one is, it was in their computers. The quote for the same coverage line by line was just short of double what we've had the last 3 years with our current RV insurer. Allied Insurance RV. Got a quote from Progressive also and they were $175.00 higher than Allied. These were quotes for 1 yr. coverage.
We do have State Farm on our cars and are very happy with them on auto coverage.